Search found 1376 matches

by MotoTrojan
Tue Apr 24, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: If you were starting from $0
Replies: 14
Views: 1175

Re: If you were starting from $0

VTSAX - Total Stock Market Index Just that one ETF moving forward? That is a mutual fund, but the equivalent ETF is VTI. Better diversity (and higher expected return slightly via small-caps) than the VOO you mentioned, which is the S&P500 solely. I think adding some international is a good idea, bu...
by MotoTrojan
Tue Apr 24, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Do I have 3 different investment horizons when planning for retirement?
Replies: 24
Views: 1438

Re: Do I have 3 different investment horizons when planning for retirement?

Hi, I'm 60. Will probably retire in 1-3 years. Will not be claiming SS till I'm 70. I'm starting to think I have 3 different investment horizons, just for retirement planning. Maybe I'm over (or under) thinking this . . . I've got a 1-3 year horizon. I don't want to retire till I hit my "number". T...
by MotoTrojan
Tue Apr 24, 2018 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Dividend fund in taxable account during retirement, yea or nay?
Replies: 33
Views: 2512

Re: Dividend fund in taxable account during retirement, yea or nay?

Less diverse, potentially higher taxes, no additional safety. Dividends aren’t free/magic money.
by MotoTrojan
Tue Apr 24, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: Fun Money
Replies: 45
Views: 2511

Re: Fun Money

100% indexing is a real snooze for me. Gambling is perceived very differently. To me, everyone dollar cost averaging at this time into DOW 26,000, 24,000 (mature bull run) is gambling in a lofty market. I will be picking up those shares from the retiring dollar cost averager's at DOW 12,000, NASDAQ...
by MotoTrojan
Tue Apr 24, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Managed Beating Index?
Replies: 19
Views: 1274

Re: Managed Beating Index?

If you did not lump sum in 5 years ago you will need to look at when you made contributions and calculate return from those points. I knew I was probably doing it wrong. So in theory if I had invested 3M in the Vanguard funds 5 years ago. My portfolio would be worth $3,218,040.00. What you are sayi...
by MotoTrojan
Mon Apr 23, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with extra 50k? Still struggling.
Replies: 26
Views: 2087

Re: What to do with extra 50k? Still struggling.

Choices (or combination): 1. Keep it fluid in a CD. (Car, vacations, braces, etc.) 2. Pay down mortgage (3%, 10yr, 130k). 3. Put into kids' 529s (Don't want to over contribute. 55k 9yr old & 65k 11yr old. Will likely go to inexpensive state school). 4. Vanguard Tot US & INT stock funds (taxable). R...
by MotoTrojan
Sun Apr 22, 2018 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Another emergency fund allocation thread
Replies: 17
Views: 1202

Re: Another emergency fund allocation thread

Is there a particular reason you aren't considering at least some of the money in Series I Bonds? Good question, haven't really thought about it. Wasn't really looking to tie up the money for any period of time though. Also wasn't looking for any level of risk given it's an emergency fund. Less ris...
by MotoTrojan
Sun Apr 22, 2018 4:22 pm
Forum: Investing - Theory, News & General
Topic: -- Mixed Mutual Funds
Replies: 4
Views: 250

Re: -- Mixed Mutual Funds

You should use the AA of the mixed fund to split it into stocks and bonds (and potentially segregate International vs. US stocks/bonds, and any other asset classes that the fund holds). There is no theoretical difference between a mixed fund and holding that AA separately and rebalancing daily yours...
by MotoTrojan
Sun Apr 22, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8296

Re: Boglehead Philosophy Open To Change?

FiveK, I' am really not sure what your questions are? I looked at the blog links but see no questions. Ask again & I will answer to the best of my ability. T. I can literally show you 101 bloggers that disagree with you. But just to be fast I went to 1 blogger & looked at his blog roll on dividends...
by MotoTrojan
Sun Apr 22, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8296

Re: Boglehead Philosophy Open To Change?

If the Boglehead Philosophy is open to change? I have 2 suggestions: (I have nothing to gain from this but the Bogleheads do). 1). I would like to see more of a emphasis put on FIRE. I see this as the wave of the future, especially for millennials. 2). The FIRE community is using dividend index fun...
by MotoTrojan
Sun Apr 22, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: My taxable account is banged up. Need some help!
Replies: 20
Views: 2182

Re: My taxable account is banged up. Need some help!

Don't worry, you haven't done any damage. If you realize the loss on the bonds now and buy back similar but not identical bonds in your IRA you are in the same net position but you'll get to claim the loss on your taxes. It's a win! Just be aware of wash sale rules so you actually get to deduct the...
by MotoTrojan
Sun Apr 22, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: mutual funds or etfs, why each
Replies: 24
Views: 1726

Re: mutual funds or etfs, why each

Part of my AA can only be achieved with ETFs so I use them for all my holdings to keep it uniform.
by MotoTrojan
Fri Apr 20, 2018 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum vs Dollar-cost average in 2018?
Replies: 7
Views: 787

Re: Lump sum vs Dollar-cost average in 2018?

401k evenly distributed throughout year. Everything else I fill as fast as possible, starting with Roth (for ease) and then taxable investing whenever cash becomes available. Time in the market. No tinkering allowed. Putting that will power to the test in 2 weeks when a low/mid 5-figure windfall hit...
by MotoTrojan
Fri Apr 20, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: How do you compare VNQ vs SP500?
Replies: 18
Views: 915

Re: How do you compare VNQ vs SP500?

Your problem started when your initial filter for potential funds to invest in was a comparison of previous returns.
by MotoTrojan
Fri Apr 20, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Cheap Caribbean [add-flights, cut price in half... too good to be true?]
Replies: 28
Views: 2058

Re: Cheap Caribbean [add-flights, cut price in half... too good to be true?]

It's off season for the most part but 6/1 to end of Nov is hurricane season. I've been plenty of times in October/November, I just watch the hurricane/tropical storm forecasts closely. Awesome, fingers crossed for good weather end of May. We don't mind if it is a little slow, pool to ourselves :). ...
by MotoTrojan
Fri Apr 20, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Does this seem an unusually high stock AA for a pension fund?
Replies: 3
Views: 252

Re: Does this seem an unusually high stock AA for a pension fund?

Oicuryy wrote:
Fri Apr 20, 2018 9:38 am
This from the actuary report would worry me more than that asset allocation.

Image
https://www.minnesotatra.org/images/pdf ... Report.pdf

Ron
Yikes.
by MotoTrojan
Thu Apr 19, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Once retired, tools to determine available spend?
Replies: 18
Views: 1786

Re: Once retired, tools to determine available spend?

3-years is a lot of cash. Perhaps a CD ladder could help increase yield a bit? Or a short-term bond fund. I may even consider >2/3 of it fixed-income for sake of my AA. I guess I should have specified "cash like". CD's and short term bond funds are part of this. And I'm lucky to have access to 3% g...
by MotoTrojan
Thu Apr 19, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Once retired, tools to determine available spend?
Replies: 18
Views: 1786

Re: Once retired, tools to determine available spend?

How much you can take out is a complicated problem since we do not know how markets (including inflation) will vary in the future, and we don't know how long we will live. There are several methods of approaching this. None perfect. Only a few that have worksheets for implementing. I think what I'm...
by MotoTrojan
Thu Apr 19, 2018 9:19 am
Forum: Investing - Theory, News & General
Topic: Bill Bonner: what's your take?
Replies: 38
Views: 3318

Re: Bill Bonner: what's your take?

4% is a gross underestimate of recent returns but I can see how it would make you feel better. If/when you do get more fully invested, make sure you understand that a downturn can/will happen, and that would not reaffirm Bill/Husband’s concerns. Worst thing you can do is invest, take a 40% loss, and...
by MotoTrojan
Wed Apr 18, 2018 5:44 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg article on lump sum vs dollar cost averaging
Replies: 66
Views: 4502

Re: Bloomberg article on lump sum vs dollar cost averaging

I lump sum as soon as the cash is available, no matter the amount.
by MotoTrojan
Wed Apr 18, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Rule - Purchase Before Sale
Replies: 7
Views: 314

Re: Wash Sale Rule - Purchase Before Sale

For this reason, my plan for future TLH is to just sell (at same time) all shares purchased within last 30 days. Hopefully they are all a loss if this was a really good TLH opportunity.
by MotoTrojan
Wed Apr 18, 2018 10:20 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6417
Views: 1376387

Re: U.S. stocks in freefall

Except if that happens, global asset prices will get obliterated. I would love for the distortions that the Fed has created to naturally correct themselves as they would in a free market, but we don't have a free market and that cannot happen at this point. It would have been easy to dig out from t...
by MotoTrojan
Tue Apr 17, 2018 7:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6417
Views: 1376387

Re: U.S. stocks in freefall

Except if that happens, global asset prices will get obliterated. I would love for the distortions that the Fed has created to naturally correct themselves as they would in a free market, but we don't have a free market and that cannot happen at this point. It would have been easy to dig out from t...
by MotoTrojan
Tue Apr 17, 2018 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 1025

Re: Portfolio review - doing the 3-funds with a tilt

Given that you are both medical professionals keep in mind that in 2018 for MFJ the Roth phase-out starts at $189,000 and you are ineligible to contribute at $199,000 adjusted gross income. Thank you KlingKlang, I wish I was in that range! Currently, I'm the only one who has a paycheck. However, wh...
by MotoTrojan
Tue Apr 17, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6417
Views: 1376387

Re: U.S. stocks in freefall

Except if that happens, global asset prices will get obliterated. I would love for the distortions that the Fed has created to naturally correct themselves as they would in a free market, but we don't have a free market and that cannot happen at this point. It would have been easy to dig out from t...
by MotoTrojan
Tue Apr 17, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 1025

Re: Portfolio review - doing the 3-funds with a tilt

Given that you are both medical professionals keep in mind that in 2018 for MFJ the Roth phase-out starts at $189,000 and you are ineligible to contribute at $199,000 adjusted gross income. Thank you KlingKlang, I wish I was in that range! Currently, I'm the only one who has a paycheck. However, wh...
by MotoTrojan
Tue Apr 17, 2018 4:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6417
Views: 1376387

Re: U.S. stocks in freefall

Less than 2 weeks from my windfall and it is falling the wrong way :(.
by MotoTrojan
Tue Apr 17, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 171
Views: 11485

Re: Is Los Angeles a good place long term to live financially?

I’m thinking of moving to LA and spending the rest of my life there, but I’m concerned about the cost. Is LA expensive? And would pursuing my goals be worth the cost of living there and are the costs worth the quality of life I would have there? Some of my goals are: 1. Get an MBA at a good busines...
by MotoTrojan
Tue Apr 17, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Retire early. Do you think it is possible?
Replies: 33
Views: 3099

Re: Retire early. Do you think it is possible?

I'd start putting together a more comprehensive plan. Depending on your AA in the 401k, the $300K in cash is probably not helping.
by MotoTrojan
Tue Apr 17, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding realized/unrealized gains in crypto world
Replies: 33
Views: 1070

Re: Understanding realized/unrealized gains in crypto world

Sell all your crypto and start a buy & hold strategy with indexes. Sorry you acted before researching implications. Not sure why anyone would intentionally do what you did unless tax-gain harvesting long-term gains.
by MotoTrojan
Tue Apr 17, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Overall Help w/ Budget
Replies: 15
Views: 1399

Re: Overall Help w/ Budget

Check out the Insight card. 5% on $5000 initial fill (interest compounds). May help you feel better about bolstering that EF, but with kids/home you may want even more.
by MotoTrojan
Tue Apr 17, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Understanding realized/unrealized gains in crypto world
Replies: 33
Views: 1070

Re: Understanding realized/unrealized gains in crypto world

I cannot exchange BTC for BTC. I can exchange BTC for other coins and there is an argument that that cannot be considered as a like kind exchange. I was stupid but I am confused right now. I don't think cryptocurrency would be considered property for the purpose of 1031 exchanges. Besides, when you...
by MotoTrojan
Tue Apr 17, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Understanding realized/unrealized gains in crypto world
Replies: 33
Views: 1070

Re: Understanding realized/unrealized gains in crypto world

I bought 0.23 BTC when it was trading at $10000. I sold it when BTC price was trading at $15000 but I bought the same amount of BTC again minutes later. I paid $2300 at first, got back $3450 and put all that money back in BTC again. Is that $1150 considered as a realized/unrealized gain? Interestin...
by MotoTrojan
Mon Apr 16, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: How much salary did you negotiate?
Replies: 20
Views: 2483

Re: How much salary did you negotiate?

How much salary can your or did you negotiate? I'm trying to figure out if I'm doing it wrong. Last week, I landed an offer at $110k (total comp including bonuses), and I moved it to $120k or 9% after 1 round, but it's still below what I'm aiming for. Is the organization just simply not able to pay...
by MotoTrojan
Mon Apr 16, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 8060

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

Of course. That's basically just spending dividends. Well, yes, I suppose, except that a portion of the dividends are being generated within the retirement accounts and are thus not easily accessible, and so I figure that one will have to sell some portion of the principal within the taxable accoun...
by MotoTrojan
Sun Apr 15, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: What to do about withdrawal this year if market doesn't go up?
Replies: 32
Views: 2858

Re: What to do about withdrawal this year if market doesn't go up?

Didn't see anybody mention yet that an emergency fund doesn't really make sense in retirement. Some cash in MM can help smooth things out but there is really no need, and in general keeping things invested at your AA will win-out in the longrun. OP, in order to live purely off of dividends (the equi...
by MotoTrojan
Sun Apr 15, 2018 4:04 pm
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 11097

Re: We crush stock indexes, Yale claims

Yale should use past tense for the claim. They've only generated an annual return of around 8% in the last 10 years, vs 9.7% for US stocks. Not taking sides, but are you asserting that short term returns provide better data than long term returns? Could also mean arbitrary starting points is a prob...
by MotoTrojan
Sun Apr 15, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: "guaranteed" 6% return vs index fund investing
Replies: 30
Views: 2793

Re: "guaranteed" 6% return vs index fund investing

Decide on a representative time horizon and do the math on what expected return in a tax-efficient investment of similar risk would be (total US stock being what I’d compare to). I think you’re anchoring to the glory that 6% sounds like but in reality this is likely a much lower after-tax CAGR than ...
by MotoTrojan
Sun Apr 15, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash back card right NOW.
Replies: 34
Views: 3741

Re: Best cash back card right NOW.

Uber Barclays Visa is free, $100 after spending $500 in 90 days, and is 4% back on dining and 3% back on travel. Also 2% online and 1% elsewhere, but I use my Citi 2% Double Cash anywhere that isn't dining/travel.

4% back on food (my highest budget item) has been amazing.
by MotoTrojan
Sun Apr 15, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Gifts to grandkids of different ages
Replies: 13
Views: 1310

Re: Gifts to grandkids of different ages

Great opportunity to teach them about investing. Let them spend $500 on a fun weekend trip and the rest goes into TSM.
by MotoTrojan
Sun Apr 15, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: First Post: HSAs & American Funds v. Vanguard returns
Replies: 6
Views: 376

Re: First Post: HSAs & American Funds v. Vanguard returns

Amount isn’t significant but your choices in taxable may not be the most tax-efficient (I know you didn’t ask for advice there). Sometimes index funds will replicate the index while holding excess cash by using leveraged instruments in a safe manner. It is possible that is what’s going on but the pr...
by MotoTrojan
Sun Apr 15, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Las Vegas hotel
Replies: 44
Views: 2927

Re: Las Vegas hotel

Bally’s is a good compromise. Big casino feel good location but cheaper than the luxury spots like Aria/Cosmo.
by MotoTrojan
Sun Apr 15, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Insight Card (APY 5%) full personal review
Replies: 32
Views: 2809

Re: Insight Card (APY 5%) full personal review

5 percent is nice, but this sounds like a pain in the butt. Yes, it does. And what if you jump through all those hoops and then Insight changes the rules to something like 5% on the first $1,000 (like Netspend), and 0.01% on everything above $1,000? Or what if they start charging a $10/mo fee if yo...
by MotoTrojan
Sat Apr 14, 2018 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying Investment Life
Replies: 12
Views: 1852

Re: Simplifying Investment Life

My opinion only, unless the 401K plan's offering are horrible it is foolhardy. You are forgoing a great deal of creditor asset protection. You may also be foregoing asset classes that are not available outside of a 401K plan such as a stable value fund. in the long term most employers will improve ...
by MotoTrojan
Sat Apr 14, 2018 10:28 pm
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 128
Views: 18141

Re: Is it time to dump high yield savings for prime money market?

Same exact tax rate? Yup regular income. Over $10 they’ll send a 1099. Under and you’re supposed to self-report (only a full audit could catch, for many years I didn’t purely out of ignorance). What’s the tax savings value of the state specific municipal money markets for low tax brackets? 12%. It ...
by MotoTrojan
Sat Apr 14, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 128
Views: 18141

Re: Is it time to dump high yield savings for prime money market?

In my case I am not sure if 0.16% difference worth the hassle (My savings is earning 1.45% at Ally currently). To make things worse, this 0.16% is taxable so it is only 0.13% ($13 more per year for every $10K also not FDIC) :D Your savings account is taxable too. Same exact tax rate? Yup regular in...
by MotoTrojan
Sat Apr 14, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Insight Card (APY 5%) full personal review
Replies: 32
Views: 2809

Re: Insight Card (APY 5%) full personal review

Just got mine. For keeping account active can I have Ally push and pull the same $1 every other month? Just push a dollar in every two months from Ally. Don't ever remove your interest gained either as it also earns 5% above the $5000 limit. It’s my understanding I can just leave the savings accoun...
by MotoTrojan
Sat Apr 14, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Perspective on AA for a 91-year-old Mother with Alzheimer's
Replies: 4
Views: 600

Re: Perspective on AA for a 91-year-old Mother with Alzheimer's

Gold and silver seems like unnecessary complication at those %. I’d be using Target or Lifestrategy funds across board in IRAs.
by MotoTrojan
Sat Apr 14, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 128
Views: 18141

Re: Is it time to dump high yield savings for prime money market?

In my case I am not sure if 0.16% difference worth the hassle (My savings is earning 1.45% at Ally currently). To make things worse, this 0.16% is taxable so it is only 0.13% ($13 more per year for every $10K also not FDIC) :D Your savings account is taxable too. Same exact tax rate? Yup regular in...
by MotoTrojan
Sat Apr 14, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Insight Card (APY 5%) full personal review
Replies: 32
Views: 2809

Re: Insight Card (APY 5%) full personal review

Just got mine. For keeping account active can I have Ally push and pull the same $1 every other month?